Great news for first time buyers!
With 95% mortgages available (75% in London & SE England)*, £1,000 cashback on selected deals, plus award-winning service from local people, getting your foot on the property ladder is easier than you think.
Also known as 95% LTV mortgages*, you can even get £1,000 cashback with selected mortgages.
When we say our mortgage advisors are experienced, we’re not joking – together they boast a combined total of 257 years helping people buy their homes.
Our mortgage advisors will be here for you every step of the way. Book your telephone or branch appointment today.
*Subject to lending criteria at the time
*£1,000 cashback available on selected First Time Buyer mortgage products up to 95%. Terms and conditions apply.
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Use our mortgage product selector to compare our latest mortgage deals
Our operating area is:
- Cumbria (all CA and LA postcodes)
- South-West Scotland (all DG postcodes and TD9)
- West Northumberland (NE45-49)
- Preston area of North Lancashire (all PR, FY, LA AND BB1-3 and BB5-7)
Your interest rate tracks our Standard Variable Rate (SVR), currently 8.24%, less the agreed discount of 2.85% for the first 2 years, followed by our SVR until the end of the mortgage.
- Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
- Free Valuation Fee - No charge for the valuation of your property
- £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
- Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
- Will have to pay an early-repayment charge of 1% of the amount repaid if you repay all or part of your mortgage within the first 1 year
- Can add the arrangement fee to your mortgage, subject to maximum LTV.
A mortgage of £70,000 payable over 17 years initially on this variable rate product for 2 years at 5.39% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 24 monthly payments of £524.74 and 180 monthly payments of £627.20.
The total amount payable would be £126,619 made up of the loan amount plus interest (£55,490), arrangement fee (£999), other lending fees (£20) and a repayment fee (£110).
The overall cost for comparison is 8.0% APRC representative.
Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.
Your interest rate tracks our Standard Variable Rate (SVR), currently 8.24%, less the agreed discount of 2.85% for the first 2 years, followed by our SVR until the end of the mortgage.
- Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
- Free Valuation Fee - No charge for the valuation of your property
- £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
- Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
- Will have to pay an early-repayment charge of 1% of the amount repaid if you repay all or part of your mortgage within the first 1 year
- Can add the arrangement fee to your mortgage, subject to maximum LTV.
A mortgage of £70,000 payable over 17 years initially on this variable rate product for 2 years at 5.39% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 24 monthly payments of £524.74 and 180 monthly payments of £627.20.
The total amount payable would be £126,619 made up of the loan amount plus interest (£55,490), arrangement fee (£999), other lending fees (£20) and a repayment fee (£110).
The overall cost for comparison is 8.0% APRC representative.
Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.
Your interest rate tracks our Standard Variable Rate (SVR), currently 8.24%, less the agreed discount of 2.85% for the first 2 years, followed by our SVR until the end of the mortgage.
- Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
- £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
- Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
- Will have to pay an early-repayment charge of 1% of the amount repaid if you repay all or part of your mortgage within the first 1 year
- Can add the arrangement fee to your mortgage, subject to maximum LTV.
A mortgage of £70,000 payable over 17 years initially on this variable rate product for 2 years at 5.39% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 24 monthly payments of £524.74 and 180 monthly payments of £627.20.
The total amount payable would be £126,879 made up of the loan amount plus interest (£55,490), arrangement fee (£999), valuation fee (£260), other lending fees (£20) and a repayment fee (£110).
The overall cost for comparison is 8.0% APRC representative.
Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.
Your interest rate tracks our Standard Variable Rate (SVR), currently 8.24%, less the agreed discount of 2.85% for the first 2 years, followed by our SVR until the end of the mortgage.
- Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
- £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
- Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
- Will have to pay an early-repayment charge of 1% of the amount repaid if you repay all or part of your mortgage within the first 1 year
- Can add the arrangement fee to your mortgage, subject to maximum LTV.
A mortgage of £70,000 payable over 17 years initially on this variable rate product for 2 years at 5.39% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 24 monthly payments of £524.74 and 180 monthly payments of £627.20.
The total amount payable would be £126,879 made up of the loan amount plus interest (£55,490), arrangement fee (£999), valuation fee (£260), other lending fees (£20) and a repayment fee (£110).
The overall cost for comparison is 8.0% APRC representative.
Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.
Your interest rate tracks our Standard Variable Rate (SVR), currently 8.24%, less the agreed discount of 2.70% for the first 2 years, followed by our SVR until the end of the mortgage.
- Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
- Free Valuation Fee - No charge for the valuation of your property
- £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
- Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
- Will have to pay an early-repayment charge of 1% of the amount repaid if you repay all or part of your mortgage within the first 1 year
- Can add the arrangement fee to your mortgage, subject to maximum LTV.
A mortgage of £70,000 payable over 17 years initially on this variable rate product for 2 years at 5.54% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 24 monthly payments of £530.45 and 180 monthly payments of £627.88.
The total amount payable would be £126,878 made up of the loan amount plus interest (£55,749), arrangement fee (£999), other lending fees (£20) and a repayment fee (£110).
The overall cost for comparison is 8.0% APRC representative.
Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.
Your interest rate tracks our Standard Variable Rate (SVR), currently 8.24%, less the agreed discount of 2.70% for the first 2 years, followed by our SVR until the end of the mortgage.
- Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
- Free Valuation Fee - No charge for the valuation of your property
- £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
- Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
- Will have to pay an early-repayment charge of 1% of the amount repaid if you repay all or part of your mortgage within the first 1 year
- Can add the arrangement fee to your mortgage, subject to maximum LTV.
A mortgage of £70,000 payable over 17 years initially on this variable rate product for 2 years at 5.54% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 24 monthly payments of £530.45 and 180 monthly payments of £627.88.
The total amount payable would be £126,878 made up of the loan amount plus interest (£55,749), arrangement fee (£999), other lending fees (£20) and a repayment fee (£110).
The overall cost for comparison is 8.0% APRC representative.
Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.
Your interest rate tracks our Standard Variable Rate (SVR), currently 8.24%, less the agreed discount of 2.60% for the first 2 years, followed by our SVR until the end of the mortgage.
- Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
- Free Valuation Fee - No charge for the valuation of your property
- £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
- Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
- Will have to pay an early-repayment charge of 1% of the amount repaid if you repay all or part of your mortgage within the first 1 year
- Can add the arrangement fee to your mortgage, subject to maximum LTV.
A mortgage of £70,000 payable over 17 years initially on this variable rate product for 2 years at 5.64% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 24 monthly payments of £534.28 and 180 monthly payments of £628.32.
The total amount payable would be £127,049 made up of the loan amount plus interest (£55,920), arrangement fee (£999), other lending fees (£20) and a repayment fee (£110).
The overall cost for comparison is 8.1% APRC representative.
Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.
Your interest rate tracks our Standard Variable Rate (SVR), currently 8.24%, less the agreed discount of 2.60% for the first 2 years, followed by our SVR until the end of the mortgage.
- Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
- Free Valuation Fee - No charge for the valuation of your property
- £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
- Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
- Will have to pay an early-repayment charge of 1% of the amount repaid if you repay all or part of your mortgage within the first 1 year
- Can add the arrangement fee to your mortgage, subject to maximum LTV.
A mortgage of £70,000 payable over 17 years initially on this variable rate product for 2 years at 5.64% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 24 monthly payments of £534.28 and 180 monthly payments of £628.32.
The total amount payable would be £127,049 made up of the loan amount plus interest (£55,920), arrangement fee (£999), other lending fees (£20) and a repayment fee (£110).
The overall cost for comparison is 8.1% APRC representative.
Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.
Your interest rate is fixed at 4.86% until 1st February 2026, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.
- Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
- Free Valuation Fee - No charge for the valuation of your property
- £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
- Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
- Will have to pay an early-repayment charge (2% before 2nd February 2025 and 1% before 2nd February 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd February 2026
- Can add the arrangement fee to your mortgage, subject to maximum LTV.
A mortgage of £85,000 payable over 25 years initially on this fixed rate product until 1st February 2026 at 4.86% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £489.99 and 275 monthly payments of £657.65.
The total amount payable would be £194,233 made up of the loan amount plus interest (£108,104), arrangement fee (£999), other lending fees (£20) and a repayment fee (£110).
The overall cost for comparison is 7.9% APRC representative.
Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.
Your interest rate is fixed at 4.86% until 1st February 2026, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.
- Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
- Free Valuation Fee - No charge for the valuation of your property
- £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
- Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
- Will have to pay an early-repayment charge (2% before 2nd February 2025 and 1% before 2nd February 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd February 2026
- Can add the arrangement fee to your mortgage, subject to maximum LTV.
A mortgage of £85,000 payable over 25 years initially on this fixed rate product until 1st February 2026 at 4.86% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £489.99 and 275 monthly payments of £657.65.
The total amount payable would be £194,233 made up of the loan amount plus interest (£108,104), arrangement fee (£999), other lending fees (£20) and a repayment fee (£110).
The overall cost for comparison is 7.9% APRC representative.
Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.
Your interest rate is fixed at 4.86% until 1st February 2026, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.
- Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
- £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
- Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
- Will have to pay an early-repayment charge (2% before 2nd February 2025 and 1% before 2nd February 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd February 2026
- Can add the arrangement fee to your mortgage, subject to maximum LTV.
A mortgage of £85,000 payable over 25 years initially on this fixed rate product until 1st February 2026 at 4.86% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £489.99 and 275 monthly payments of £657.65.
The total amount payable would be £194,493 made up of the loan amount plus interest (£108,104), arrangement fee (£999), valuation fee (£260), other lending fees (£20) and a repayment fee (£110).
The overall cost for comparison is 8.0% APRC representative.
Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.
Your interest rate is fixed at 4.86% until 1st February 2026, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.
- Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
- £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
- Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
- Will have to pay an early-repayment charge (2% before 2nd February 2025 and 1% before 2nd February 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd February 2026
- Can add the arrangement fee to your mortgage, subject to maximum LTV.
A mortgage of £85,000 payable over 25 years initially on this fixed rate product until 1st February 2026 at 4.86% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £489.99 and 275 monthly payments of £657.65.
The total amount payable would be £194,493 made up of the loan amount plus interest (£108,104), arrangement fee (£999), valuation fee (£260), other lending fees (£20) and a repayment fee (£110).
The overall cost for comparison is 8.0% APRC representative.
Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.
Your interest rate is fixed at 5.19% until 1st February 2026, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.
- Free Valuation Fee - No charge for the valuation of your property
- £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
- Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
- Will have to pay an early-repayment charge (2% before 2nd February 2025 and 1% before 2nd February 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd February 2026
A mortgage of £85,000 payable over 25 years initially on this fixed rate product until 1st February 2026 at 5.19% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £506.36 and 275 monthly payments of £659.05.
The total amount payable would be £194,028 made up of the loan amount plus interest (£108,898), other lending fees (£20) and a repayment fee (£110).
The overall cost for comparison is 7.9% APRC representative.
Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.
Your interest rate is fixed at 5.19% until 1st February 2026, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.
- Free Valuation Fee - No charge for the valuation of your property
- £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
- Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
- Will have to pay an early-repayment charge (2% before 2nd February 2025 and 1% before 2nd February 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd February 2026
A mortgage of £85,000 payable over 25 years initially on this fixed rate product until 1st February 2026 at 5.19% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £506.36 and 275 monthly payments of £659.05.
The total amount payable would be £194,028 made up of the loan amount plus interest (£108,898), other lending fees (£20) and a repayment fee (£110).
The overall cost for comparison is 7.9% APRC representative.
Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.
Your interest rate is fixed at 5.19% until 1st February 2026, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.
- £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
- Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
- Will have to pay an early-repayment charge (2% before 2nd February 2025 and 1% before 2nd February 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd February 2026
A mortgage of £85,000 payable over 25 years initially on this fixed rate product until 1st February 2026 at 5.19% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £506.36 and 275 monthly payments of £659.05.
The total amount payable would be £194,288 made up of the loan amount plus interest (£108,898), valuation fee (£260), other lending fees (£20) and a repayment fee (£110).
The overall cost for comparison is 7.9% APRC representative.
Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.
Your interest rate is fixed at 5.19% until 1st February 2026, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.
- £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
- Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
- Will have to pay an early-repayment charge (2% before 2nd February 2025 and 1% before 2nd February 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd February 2026
A mortgage of £85,000 payable over 25 years initially on this fixed rate product until 1st February 2026 at 5.19% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £506.36 and 275 monthly payments of £659.05.
The total amount payable would be £194,288 made up of the loan amount plus interest (£108,898), valuation fee (£260), other lending fees (£20) and a repayment fee (£110).
The overall cost for comparison is 7.9% APRC representative.
Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.
Your interest rate is fixed at 5.22% until 1st February 2026, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.
- Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
- Free Valuation Fee - No charge for the valuation of your property
- £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
- Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
- Will have to pay an early-repayment charge (2% before 2nd February 2025 and 1% before 2nd February 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd February 2026
- Can add the arrangement fee to your mortgage, subject to maximum LTV.
A mortgage of £85,000 payable over 25 years initially on this fixed rate product until 1st February 2026 at 5.22% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £507.86 and 275 monthly payments of £659.18.
The total amount payable would be £195,100 made up of the loan amount plus interest (£108,971), arrangement fee (£999), other lending fees (£20) and a repayment fee (£110).
The overall cost for comparison is 8.0% APRC representative.
Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.
Your interest rate is fixed at 5.22% until 1st February 2026, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.
- Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
- Free Valuation Fee - No charge for the valuation of your property
- £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
- Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
- Will have to pay an early-repayment charge (2% before 2nd February 2025 and 1% before 2nd February 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd February 2026
- Can add the arrangement fee to your mortgage, subject to maximum LTV.
A mortgage of £85,000 payable over 25 years initially on this fixed rate product until 1st February 2026 at 5.22% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £507.86 and 275 monthly payments of £659.18.
The total amount payable would be £195,100 made up of the loan amount plus interest (£108,971), arrangement fee (£999), other lending fees (£20) and a repayment fee (£110).
The overall cost for comparison is 8.0% APRC representative.
Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.
Your interest rate is fixed at 5.38% until 1st February 2026, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.
- Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
- Free Valuation Fee - No charge for the valuation of your property
- £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
- Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
- Will have to pay an early-repayment charge (2% before 2nd February 2025 and 1% before 2nd February 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd February 2026
- Can add the arrangement fee to your mortgage, subject to maximum LTV.
A mortgage of £85,000 payable over 25 years initially on this fixed rate product until 1st February 2026 at 5.38% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £515.90 and 275 monthly payments of £659.84.
The total amount payable would be £195,483 made up of the loan amount plus interest (£109,354), arrangement fee (£999), other lending fees (£20) and a repayment fee (£110).
The overall cost for comparison is 8.0% APRC representative.
Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.
Your interest rate is fixed at 5.38% until 1st February 2026, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.
- Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
- Free Valuation Fee - No charge for the valuation of your property
- £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
- Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
- Will have to pay an early-repayment charge (2% before 2nd February 2025 and 1% before 2nd February 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd February 2026
- Can add the arrangement fee to your mortgage, subject to maximum LTV.
A mortgage of £85,000 payable over 25 years initially on this fixed rate product until 1st February 2026 at 5.38% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £515.90 and 275 monthly payments of £659.84.
The total amount payable would be £195,483 made up of the loan amount plus interest (£109,354), arrangement fee (£999), other lending fees (£20) and a repayment fee (£110).
The overall cost for comparison is 8.0% APRC representative.
Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.
Your interest rate is fixed at 5.57% until 1st February 2026, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.
- Free Valuation Fee - No charge for the valuation of your property
- £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
- Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
- Will have to pay an early-repayment charge (2% before 2nd February 2025 and 1% before 2nd February 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd February 2026
A mortgage of £85,000 payable over 25 years initially on this fixed rate product until 1st February 2026 at 5.57% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £525.53 and 275 monthly payments of £660.61.
The total amount payable would be £194,936 made up of the loan amount plus interest (£109,806), other lending fees (£20) and a repayment fee (£110).
The overall cost for comparison is 7.9% APRC representative.
Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.
Your interest rate is fixed at 5.57% until 1st February 2026, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.
- Free Valuation Fee - No charge for the valuation of your property
- £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
- Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
- Will have to pay an early-repayment charge (2% before 2nd February 2025 and 1% before 2nd February 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd February 2026
A mortgage of £85,000 payable over 25 years initially on this fixed rate product until 1st February 2026 at 5.57% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £525.53 and 275 monthly payments of £660.61.
The total amount payable would be £194,936 made up of the loan amount plus interest (£109,806), other lending fees (£20) and a repayment fee (£110).
The overall cost for comparison is 7.9% APRC representative.
Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.
Your interest rate is fixed at 5.67% until 1st February 2026, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.
- Free Valuation Fee - No charge for the valuation of your property
- £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
- Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
- Will have to pay an early-repayment charge (2% before 2nd February 2025 and 1% before 2nd February 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd February 2026
A mortgage of £85,000 payable over 25 years initially on this fixed rate product until 1st February 2026 at 5.67% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £530.64 and 275 monthly payments of £661.01.
The total amount payable would be £195,174 made up of the loan amount plus interest (£110,044), other lending fees (£20) and a repayment fee (£110).
The overall cost for comparison is 8.0% APRC representative.
Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.
Your interest rate is fixed at 5.67% until 1st February 2026, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.
- Free Valuation Fee - No charge for the valuation of your property
- £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
- Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
- Will have to pay an early-repayment charge (2% before 2nd February 2025 and 1% before 2nd February 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd February 2026
A mortgage of £85,000 payable over 25 years initially on this fixed rate product until 1st February 2026 at 5.67% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £530.64 and 275 monthly payments of £661.01.
The total amount payable would be £195,174 made up of the loan amount plus interest (£110,044), other lending fees (£20) and a repayment fee (£110).
The overall cost for comparison is 8.0% APRC representative.
Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.
Your interest rate is fixed at 6.08% until 1st February 2026, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.
- Free Valuation Fee - No charge for the valuation of your property
- £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
- Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
- Will have to pay an early-repayment charge (2% before 2nd February 2025 and 1% before 2nd February 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd February 2026
A mortgage of £85,000 payable over 25 years initially on this fixed rate product until 1st February 2026 at 6.08% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £551.82 and 275 monthly payments of £662.59.
The total amount payable would be £196,138 made up of the loan amount plus interest (£111,008), other lending fees (£20) and a repayment fee (£110).
The overall cost for comparison is 8.1% APRC representative.
Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.
Your interest rate is fixed at 6.08% until 1st February 2026, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.
- Free Valuation Fee - No charge for the valuation of your property
- £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
- Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
- Will have to pay an early-repayment charge (2% before 2nd February 2025 and 1% before 2nd February 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd February 2026
A mortgage of £85,000 payable over 25 years initially on this fixed rate product until 1st February 2026 at 6.08% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £551.82 and 275 monthly payments of £662.59.
The total amount payable would be £196,138 made up of the loan amount plus interest (£111,008), other lending fees (£20) and a repayment fee (£110).
The overall cost for comparison is 8.1% APRC representative.
Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.
Your interest rate is fixed at 6.44% until 1st February 2026, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.
- Free Valuation Fee - No charge for the valuation of your property
- £1,000 Cashback - We'll give you £1,000 cashback with this mortgage
- £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
- Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
- Will have to pay an early-repayment charge (2% before 2nd February 2025 and 1% before 2nd February 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd February 2026
A mortgage of £85,000 payable over 25 years initially on this fixed rate product until 1st February 2026 at 6.44% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £570.74 and 275 monthly payments of £663.93.
The total amount payable would be £196,979 made up of the loan amount plus interest (£111,849), other lending fees (£20) and a repayment fee (£110).
The overall cost for comparison is 8.1% APRC representative.
Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.
Your interest rate is fixed at 6.44% until 1st February 2026, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.
- Free Valuation Fee - No charge for the valuation of your property
- £1,000 Cashback - We'll give you £1,000 cashback with this mortgage
- £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
- Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
- Will have to pay an early-repayment charge (2% before 2nd February 2025 and 1% before 2nd February 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd February 2026
A mortgage of £85,000 payable over 25 years initially on this fixed rate product until 1st February 2026 at 6.44% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £570.74 and 275 monthly payments of £663.93.
The total amount payable would be £196,979 made up of the loan amount plus interest (£111,849), other lending fees (£20) and a repayment fee (£110).
The overall cost for comparison is 8.1% APRC representative.
Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.
Your interest rate is fixed at 4.58% until 1st February 2029, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.
- Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
- Free Valuation Fee - No charge for the valuation of your property
- £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
- Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
- Will have to pay an early-repayment charge (5% before 2nd February 2025, 4% before 2nd February 2026, 3% before 2nd February 2027, 2% before 2nd February 2028 and 1% before 2nd February 2029 of the amount repaid) if you repay all or part of your mortgage before 2nd February 2029
- Can add the arrangement fee to your mortgage, subject to maximum LTV.
A mortgage of £71,250 payable over 25 years initially on this fixed rate product until 1st February 2029 at 4.58% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £399.27 and 239 monthly payments of £533.31.
The total amount payable would be £152,946 made up of the loan amount plus interest (£80,567), arrangement fee (£999), other lending fees (£20) and a repayment fee (£110).
The overall cost for comparison is 7.0% APRC representative.
Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.
Your interest rate is fixed at 4.58% until 1st February 2029, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.
- Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
- Free Valuation Fee - No charge for the valuation of your property
- £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
- Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
- Will have to pay an early-repayment charge (5% before 2nd February 2025, 4% before 2nd February 2026, 3% before 2nd February 2027, 2% before 2nd February 2028 and 1% before 2nd February 2029 of the amount repaid) if you repay all or part of your mortgage before 2nd February 2029
- Can add the arrangement fee to your mortgage, subject to maximum LTV.
A mortgage of £71,250 payable over 25 years initially on this fixed rate product until 1st February 2029 at 4.58% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £399.27 and 239 monthly payments of £533.31.
The total amount payable would be £152,946 made up of the loan amount plus interest (£80,567), arrangement fee (£999), other lending fees (£20) and a repayment fee (£110).
The overall cost for comparison is 7.0% APRC representative.
Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.
Your interest rate is fixed at 4.58% until 1st February 2029, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.
- Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
- £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
- Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
- Will have to pay an early-repayment charge (5% before 2nd February 2025, 4% before 2nd February 2026, 3% before 2nd February 2027, 2% before 2nd February 2028 and 1% before 2nd February 2029 of the amount repaid) if you repay all or part of your mortgage before 2nd February 2029
- Can add the arrangement fee to your mortgage, subject to maximum LTV.
A mortgage of £71,250 payable over 25 years initially on this fixed rate product until 1st February 2029 at 4.58% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £399.27 and 239 monthly payments of £533.31.
The total amount payable would be £153,206 made up of the loan amount plus interest (£80,567), arrangement fee (£999), valuation fee (£260), other lending fees (£20) and a repayment fee (£110).
The overall cost for comparison is 7.0% APRC representative.
Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.
Your interest rate is fixed at 4.58% until 1st February 2029, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.
- Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
- £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
- Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
- Will have to pay an early-repayment charge (5% before 2nd February 2025, 4% before 2nd February 2026, 3% before 2nd February 2027, 2% before 2nd February 2028 and 1% before 2nd February 2029 of the amount repaid) if you repay all or part of your mortgage before 2nd February 2029
- Can add the arrangement fee to your mortgage, subject to maximum LTV.
A mortgage of £71,250 payable over 25 years initially on this fixed rate product until 1st February 2029 at 4.58% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £399.27 and 239 monthly payments of £533.31.
The total amount payable would be £153,206 made up of the loan amount plus interest (£80,567), arrangement fee (£999), valuation fee (£260), other lending fees (£20) and a repayment fee (£110).
The overall cost for comparison is 7.0% APRC representative.
Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.
Your interest rate is fixed at 4.75% until 1st February 2029, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.
- Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
- Free Valuation Fee - No charge for the valuation of your property
- £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
- Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
- Will have to pay an early-repayment charge (5% before 2nd February 2025, 4% before 2nd February 2026, 3% before 2nd February 2027, 2% before 2nd February 2028 and 1% before 2nd February 2029 of the amount repaid) if you repay all or part of your mortgage before 2nd February 2029
- Can add the arrangement fee to your mortgage, subject to maximum LTV.
A mortgage of £71,250 payable over 25 years initially on this fixed rate product until 1st February 2029 at 4.75% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £406.21 and 239 monthly payments of £534.83.
The total amount payable would be £153,732 made up of the loan amount plus interest (£81,353), arrangement fee (£999), other lending fees (£20) and a repayment fee (£110).
The overall cost for comparison is 7.1% APRC representative.
Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.
Your interest rate is fixed at 4.75% until 1st February 2029, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.
- Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
- Free Valuation Fee - No charge for the valuation of your property
- £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
- Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
- Will have to pay an early-repayment charge (5% before 2nd February 2025, 4% before 2nd February 2026, 3% before 2nd February 2027, 2% before 2nd February 2028 and 1% before 2nd February 2029 of the amount repaid) if you repay all or part of your mortgage before 2nd February 2029
- Can add the arrangement fee to your mortgage, subject to maximum LTV.
A mortgage of £71,250 payable over 25 years initially on this fixed rate product until 1st February 2029 at 4.75% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £406.21 and 239 monthly payments of £534.83.
The total amount payable would be £153,732 made up of the loan amount plus interest (£81,353), arrangement fee (£999), other lending fees (£20) and a repayment fee (£110).
The overall cost for comparison is 7.1% APRC representative.
Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.
Your interest rate is fixed at 4.76% until 1st February 2029, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.
- Free Valuation Fee - No charge for the valuation of your property
- £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
- Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
- Will have to pay an early-repayment charge (5% before 2nd February 2025, 4% before 2nd February 2026, 3% before 2nd February 2027, 2% before 2nd February 2028 and 1% before 2nd February 2029 of the amount repaid) if you repay all or part of your mortgage before 2nd February 2029
A mortgage of £71,250 payable over 25 years initially on this fixed rate product until 1st February 2029 at 4.76% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £406.62 and 239 monthly payments of £534.92.
The total amount payable would be £152,780 made up of the loan amount plus interest (£81,400), other lending fees (£20) and a repayment fee (£110).
The overall cost for comparison is 6.9% APRC representative.
Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.
Your interest rate is fixed at 4.76% until 1st February 2029, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.
- Free Valuation Fee - No charge for the valuation of your property
- £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
- Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
- Will have to pay an early-repayment charge (5% before 2nd February 2025, 4% before 2nd February 2026, 3% before 2nd February 2027, 2% before 2nd February 2028 and 1% before 2nd February 2029 of the amount repaid) if you repay all or part of your mortgage before 2nd February 2029
A mortgage of £71,250 payable over 25 years initially on this fixed rate product until 1st February 2029 at 4.76% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £406.62 and 239 monthly payments of £534.92.
The total amount payable would be £152,780 made up of the loan amount plus interest (£81,400), other lending fees (£20) and a repayment fee (£110).
The overall cost for comparison is 6.9% APRC representative.
Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.
Your interest rate is fixed at 4.76% until 1st February 2029, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.
- £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
- Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
- Will have to pay an early-repayment charge (5% before 2nd February 2025, 4% before 2nd February 2026, 3% before 2nd February 2027, 2% before 2nd February 2028 and 1% before 2nd February 2029 of the amount repaid) if you repay all or part of your mortgage before 2nd February 2029
A mortgage of £71,250 payable over 25 years initially on this fixed rate product until 1st February 2029 at 4.76% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £406.62 and 239 monthly payments of £534.92.
The total amount payable would be £153,040 made up of the loan amount plus interest (£81,400), valuation fee (£260), other lending fees (£20) and a repayment fee (£110).
The overall cost for comparison is 6.9% APRC representative.
Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.
Your interest rate is fixed at 4.76% until 1st February 2029, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.
- £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
- Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
- Will have to pay an early-repayment charge (5% before 2nd February 2025, 4% before 2nd February 2026, 3% before 2nd February 2027, 2% before 2nd February 2028 and 1% before 2nd February 2029 of the amount repaid) if you repay all or part of your mortgage before 2nd February 2029
A mortgage of £71,250 payable over 25 years initially on this fixed rate product until 1st February 2029 at 4.76% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £406.62 and 239 monthly payments of £534.92.
The total amount payable would be £153,040 made up of the loan amount plus interest (£81,400), valuation fee (£260), other lending fees (£20) and a repayment fee (£110).
The overall cost for comparison is 6.9% APRC representative.
Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.
Your interest rate is fixed at 4.91% until 1st February 2029, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.
- Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
- Free Valuation Fee - No charge for the valuation of your property
- £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
- Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
- Will have to pay an early-repayment charge (5% before 2nd February 2025, 4% before 2nd February 2026, 3% before 2nd February 2027, 2% before 2nd February 2028 and 1% before 2nd February 2029 of the amount repaid) if you repay all or part of your mortgage before 2nd February 2029
- Can add the arrangement fee to your mortgage, subject to maximum LTV.
A mortgage of £71,250 payable over 25 years initially on this fixed rate product until 1st February 2029 at 4.91% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £412.79 and 239 monthly payments of £536.25.
The total amount payable would be £154,473 made up of the loan amount plus interest (£82,094), arrangement fee (£999), other lending fees (£20) and a repayment fee (£110).
The overall cost for comparison is 7.1% APRC representative.
Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.
Your interest rate is fixed at 4.91% until 1st February 2029, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.
- Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
- Free Valuation Fee - No charge for the valuation of your property
- £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
- Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
- Will have to pay an early-repayment charge (5% before 2nd February 2025, 4% before 2nd February 2026, 3% before 2nd February 2027, 2% before 2nd February 2028 and 1% before 2nd February 2029 of the amount repaid) if you repay all or part of your mortgage before 2nd February 2029
- Can add the arrangement fee to your mortgage, subject to maximum LTV.
A mortgage of £71,250 payable over 25 years initially on this fixed rate product until 1st February 2029 at 4.91% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £412.79 and 239 monthly payments of £536.25.
The total amount payable would be £154,473 made up of the loan amount plus interest (£82,094), arrangement fee (£999), other lending fees (£20) and a repayment fee (£110).
The overall cost for comparison is 7.1% APRC representative.
Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.
Your interest rate is fixed at 4.92% until 1st February 2029, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.
- Free Valuation Fee - No charge for the valuation of your property
- £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
- Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
- Will have to pay an early-repayment charge (5% before 2nd February 2025, 4% before 2nd February 2026, 3% before 2nd February 2027, 2% before 2nd February 2028 and 1% before 2nd February 2029 of the amount repaid) if you repay all or part of your mortgage before 2nd February 2029
A mortgage of £71,250 payable over 25 years initially on this fixed rate product until 1st February 2029 at 4.92% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £413.21 and 239 monthly payments of £536.34.
The total amount payable would be £153,521 made up of the loan amount plus interest (£82,141), other lending fees (£20) and a repayment fee (£110).
The overall cost for comparison is 7.0% APRC representative.
Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.
Your interest rate is fixed at 4.92% until 1st February 2029, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.
- Free Valuation Fee - No charge for the valuation of your property
- £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
- Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
- Will have to pay an early-repayment charge (5% before 2nd February 2025, 4% before 2nd February 2026, 3% before 2nd February 2027, 2% before 2nd February 2028 and 1% before 2nd February 2029 of the amount repaid) if you repay all or part of your mortgage before 2nd February 2029
A mortgage of £71,250 payable over 25 years initially on this fixed rate product until 1st February 2029 at 4.92% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £413.21 and 239 monthly payments of £536.34.
The total amount payable would be £153,521 made up of the loan amount plus interest (£82,141), other lending fees (£20) and a repayment fee (£110).
The overall cost for comparison is 7.0% APRC representative.
Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.
Your interest rate is fixed at 5.05% until 1st February 2029, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.
- Free Valuation Fee - No charge for the valuation of your property
- £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
- Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
- Will have to pay an early-repayment charge (5% before 2nd February 2025, 4% before 2nd February 2026, 3% before 2nd February 2027, 2% before 2nd February 2028 and 1% before 2nd February 2029 of the amount repaid) if you repay all or part of your mortgage before 2nd February 2029
A mortgage of £71,250 payable over 25 years initially on this fixed rate product until 1st February 2029 at 5.05% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £418.60 and 239 monthly payments of £537.48.
The total amount payable would be £154,122 made up of the loan amount plus interest (£82,742), other lending fees (£20) and a repayment fee (£110).
The overall cost for comparison is 7.0% APRC representative.
Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.
Your interest rate is fixed at 5.05% until 1st February 2029, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.
- Free Valuation Fee - No charge for the valuation of your property
- £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
- Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
- Will have to pay an early-repayment charge (5% before 2nd February 2025, 4% before 2nd February 2026, 3% before 2nd February 2027, 2% before 2nd February 2028 and 1% before 2nd February 2029 of the amount repaid) if you repay all or part of your mortgage before 2nd February 2029
A mortgage of £71,250 payable over 25 years initially on this fixed rate product until 1st February 2029 at 5.05% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £418.60 and 239 monthly payments of £537.48.
The total amount payable would be £154,122 made up of the loan amount plus interest (£82,742), other lending fees (£20) and a repayment fee (£110).
The overall cost for comparison is 7.0% APRC representative.
Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.
Your interest rate is fixed at 5.38% until 1st February 2029, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.
- Free Valuation Fee - No charge for the valuation of your property
- £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
- Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
- Will have to pay an early-repayment charge (5% before 2nd February 2025, 4% before 2nd February 2026, 3% before 2nd February 2027, 2% before 2nd February 2028 and 1% before 2nd February 2029 of the amount repaid) if you repay all or part of your mortgage before 2nd February 2029
A mortgage of £71,250 payable over 25 years initially on this fixed rate product until 1st February 2029 at 5.38% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £432.45 and 239 monthly payments of £540.31.
The total amount payable would be £155,644 made up of the loan amount plus interest (£84,264), other lending fees (£20) and a repayment fee (£110).
The overall cost for comparison is 7.2% APRC representative.
Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.
Your interest rate is fixed at 5.38% until 1st February 2029, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.
- Free Valuation Fee - No charge for the valuation of your property
- £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
- Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
- Will have to pay an early-repayment charge (5% before 2nd February 2025, 4% before 2nd February 2026, 3% before 2nd February 2027, 2% before 2nd February 2028 and 1% before 2nd February 2029 of the amount repaid) if you repay all or part of your mortgage before 2nd February 2029
A mortgage of £71,250 payable over 25 years initially on this fixed rate product until 1st February 2029 at 5.38% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £432.45 and 239 monthly payments of £540.31.
The total amount payable would be £155,644 made up of the loan amount plus interest (£84,264), other lending fees (£20) and a repayment fee (£110).
The overall cost for comparison is 7.2% APRC representative.
Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.
Your interest rate is fixed at 5.52% until 1st February 2029, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.
- Free Valuation Fee - No charge for the valuation of your property
- £1,000 Cashback - We'll give you £1,000 cashback with this mortgage
- £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
- Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
- Will have to pay an early-repayment charge (5% before 2nd February 2025, 4% before 2nd February 2026, 3% before 2nd February 2027, 2% before 2nd February 2028 and 1% before 2nd February 2029 of the amount repaid) if you repay all or part of your mortgage before 2nd February 2029
A mortgage of £71,250 payable over 25 years initially on this fixed rate product until 1st February 2029 at 5.52% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £438.39 and 239 monthly payments of £541.48.
The total amount payable would be £156,286 made up of the loan amount plus interest (£84,906), other lending fees (£20) and a repayment fee (£110).
The overall cost for comparison is 7.2% APRC representative.
Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.
Your interest rate is fixed at 5.52% until 1st February 2029, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.
- Free Valuation Fee - No charge for the valuation of your property
- £1,000 Cashback - We'll give you £1,000 cashback with this mortgage
- £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
- Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
- Will have to pay an early-repayment charge (5% before 2nd February 2025, 4% before 2nd February 2026, 3% before 2nd February 2027, 2% before 2nd February 2028 and 1% before 2nd February 2029 of the amount repaid) if you repay all or part of your mortgage before 2nd February 2029
A mortgage of £71,250 payable over 25 years initially on this fixed rate product until 1st February 2029 at 5.52% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £438.39 and 239 monthly payments of £541.48.
The total amount payable would be £156,286 made up of the loan amount plus interest (£84,906), other lending fees (£20) and a repayment fee (£110).
The overall cost for comparison is 7.2% APRC representative.
Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.
Next steps
Use our mortgage calculator to work out how much you could borrow from us.
Our mortgage advisors will be here for you every step of the way. Book your telephone or branch appointment today.
Find out everything you need to know about The Cumberland's 5% deposit mortgages.
FAQs
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How much can I borrow?
The amount you can borrow depends on your income, outgoings and individual situation. You can get an idea of what you could borrow with our Mortgage Calculator, but for more detailed figures speak to one of our mortgage and protection advisors.
If you want to apply for a mortgage with a second person, we will usually take into account your joint incomes.
Once we have talked to you about a mortgage, we can give you a Mortgage Affordability Certificate, showing how much we will lend you if the valuation of the property is satisfactory.
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How long does it take to get a mortgage?
The length of time it will take you to get a mortgage depends on several different factors including your circumstances, the property and legal procedures.
Once the mortgage application form has been completed, we will send a valuer to prepare a mortgage valuation report on the property to make sure we can lend you what you want. We will also check your income and financial status.
You will need to instruct a conveyancer to handle the legal details (procedures for buying a house in Scotland are different from the system in England and Wales so it is important to contact a conveyancer at an early stage for guidance).
While you're doing this, we check your application and obtain references and a valuation. Providing these are satisfactory, we will offer you the mortgage. This usually takes two to three weeks, but we can normally give you an immediate "in principle" decision.
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What will it cost me?
Initial costs
In addition to the deposit you will have other expenses such as conveyancer's fees (including registration fees and possibly stamp duty land tax), valuation fees (unless the mortgage product you've chosen includes a free valuation) and insurance costs. We will go through these with you so that you can work out how much you need to borrow.
Monthly mortgage payment
The amount of the monthly mortgage payment depends on:
- how much you wish to borrow
- how many years you pay it back over
- the type of mortgage you choose
- the current interest rate, and
- whether or not you decide to pay your house and contents insurance along with your mortgage payment.
Take all these points into account and with the help of a Mortgage Illustration you should have a good idea of how much your mortgage will costs each month.